SANTA CRUZ - WATSONVILLE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Santa Cruz - Watsonville averaged
5.91%
for the week of 2023-05-25, compared to the national average of
6.57% for the same period.
The average rate for the prior week (2023-05-18) was
5.93% and
one month ago for the week of 2023-04-20, the
average rate was 5.93%.
Santa Cruz - Watsonville's average rate one year ago was 4.49%.
For refis of the same type during the week of 2023-05-25, the average rate
was 4.97%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-05-25 | 6.57% |
| Santa Cruz - Watsonville 30 Year Fixed Rate | 2023-05-25 | 5.91% |
| Santa Cruz - Watsonville 30 Year Fixed Rate Refi | 2023-05-25 | 4.97% |
| Santa Cruz - Watsonville 15 Year Fixed Rate | 2023-05-25 | 6.17% |
| Santa Cruz - Watsonville 15 Year Fixed Rate Refi | 2023-05-25 | 4.3% |
| Santa Cruz - Watsonville 30 Year FHA | 2023-05-25 | 6.41% |
| Santa Cruz - Watsonville 30 Year FHA Refi | 2023-05-25 | 6.51% |
| Santa Cruz - Watsonville 30 Year USDA | 2023-05-25 | 6.43% |
| Santa Cruz - Watsonville 30 Year USDA Refi | 2023-05-25 | 6.53% |
| Santa Cruz - Watsonville 30 Year VA | 2023-05-25 | 6.31% |
| Santa Cruz - Watsonville 30 Year VA Refi | 2023-05-25 | 6.41% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SANTA CRUZ-WATSONVILLE, CA.
SANTA CRUZ - WATSONVILLE Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SANTA CRUZ-WATSONVILLE, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
SANTA CRUZ - WATSONVILLE Average Closing Costs & Other Stats
SANTA CRUZ-WATSONVILLE, CA's 202 lenders originated 4,702
loans during 2022. The total origination value was $2,845,770,000, with an average loan value of
$605,225.
SANTA CRUZ - WATSONVILLE's average closing costs are $6,003.
The top SANTA CRUZ - WATSONVILLE lender as defined by loan originations is QUICKEN LOANS, LLC, with
231 loans originated. Their average total fees are
$8,244, which is $828
lower than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are
Fremont Bank ($2,473), EVERETT FINANCIAL, INC. ($2,713), STAR ONE CREDIT UNION ($3,615), First Republic Bank ($4,061) and Morgan Stanley Private Bank ($4,244).
The lowest rate SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB (3.30%), First Republic Bank (3.34%), PENNYMAC LOAN SERVICES, LLC (3.49%), Bank of America (3.58%) and NEWREZ LLC (3.71%).
SANTA CRUZ-WATSONVILLE, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| Wells Fargo Bank | $405,450,000 | $232,565,000 | -42.6% | 8.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $82,400,000 | $191,405,000 | 132.3% | 6.7% |
| QUICKEN LOANS, LLC | $772,285,000 | $159,900,000 | -79.3% | 5.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $517,590,000 | $127,455,000 | -75.4% | 4.5% |
| BAY | $174,220,000 | $124,700,000 | -28.4% | 4.4% |
| Bank of America | $179,270,000 | $112,445,000 | -37.3% | 4.0% |
| U.S. Bank | $149,715,000 | $104,335,000 | -30.3% | 3.7% |
| First Republic Bank | $113,010,000 | $92,195,000 | -18.4% | 3.2% |
| JPMorgan Chase Bank | $247,885,000 | $92,100,000 | -62.8% | 3.2% |
| MUFG Union Bank | $72,575,000 | $75,090,000 | 3.5% | 2.6% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $210,680,000 | $67,560,000 | -67.9% | 2.4% |
| LOANDEPOT.COM, LLC | $233,485,000 | $59,965,000 | -74.3% | 2.1% |
| FINANCE OF AMERICA REVERSE LLC | $47,770,000 | $44,625,000 | -6.6% | 1.6% |
| Bank of the West | $43,260,000 | $43,570,000 | 0.7% | 1.5% |
| Flagstar Bank, FSB | $511,920,000 | $43,555,000 | -91.5% | 1.5% |
| ACADEMY MORTGAGE CORPORATION | $86,035,000 | $40,235,000 | -53.2% | 1.4% |
| Morgan Stanley Private Bank | $51,285,000 | $40,045,000 | -21.9% | 1.4% |
| HOME POINT FINANCIAL CORPORATION | $220,230,000 | $38,165,000 | -82.7% | 1.3% |
| Commerce Home Mortgage, Inc. | $59,195,000 | $36,820,000 | -37.8% | 1.3% |
| GUARANTEED RATE, INC. | $179,295,000 | $34,550,000 | -80.7% | 1.2% |
| PNC Bank | $41,910,000 | $32,480,000 | -22.5% | 1.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $101,655,000 | $31,615,000 | -68.9% | 1.1% |
| STAR ONE CREDIT UNION | $33,085,000 | $31,570,000 | -4.6% | 1.1% |
| THE GOLDEN 1 | $31,100,000 | $30,355,000 | -2.4% | 1.1% |
| MOUNTAIN WEST FINANCIAL, INC. | $115,250,000 | $29,115,000 | -74.7% | 1.0% |
| Comerica Bank | $24,335,000 | $28,885,000 | 18.7% | 1.0% |
| Fremont Bank | $74,500,000 | $23,620,000 | -68.3% | 0.8% |
| ANGEL OAK HOME LOANS LLC | $3,615,000 | $22,700,000 | 527.9% | 0.8% |
| Charles Schwab Bank, SSB | $50,175,000 | $21,285,000 | -57.6% | 0.7% |
| GUARANTEED RATE AFFINITY, LLC | $61,105,000 | $20,455,000 | -66.5% | 0.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $69,730,000 | $19,695,000 | -71.8% | 0.7% |
| Citibank | $13,245,000 | $19,415,000 | 46.6% | 0.7% |
| ENVOY MORTGAGE, LTD | $27,865,000 | $19,315,000 | -30.7% | 0.7% |
| STANFORD Federal Credit Union | $11,625,000 | $17,770,000 | 52.9% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $76,660,000 | $16,835,000 | -78.0% | 0.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $77,925,000 | $16,360,000 | -79.0% | 0.6% |
| Umpqua Bank | $12,730,000 | $16,140,000 | 26.8% | 0.6% |
| SUMMIT FUNDING, INC. | $42,065,000 | $14,555,000 | -65.4% | 0.5% |
| BROKER SOLUTIONS, INC. | $31,255,000 | $13,125,000 | -58.0% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $57,985,000 | $12,830,000 | -77.9% | 0.5% |
| AMERICAN ADVISORS GROUP | $10,715,000 | $12,515,000 | 16.8% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $43,735,000 | $12,510,000 | -71.4% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $23,020,000 | $12,470,000 | -45.8% | 0.4% |
| BETTER MORTGAGE CORPORATION | $96,770,000 | $12,250,000 | -87.3% | 0.4% |
| REVERSE MORTGAGE FUNDING LLC | $9,220,000 | $11,795,000 | 27.9% | 0.4% |
| CALIBER HOME LOANS, INC. | $39,730,000 | $11,565,000 | -70.9% | 0.4% |
| PENTAGON FEDERAL CREDIT UNION | $8,420,000 | $11,530,000 | 36.9% | 0.4% |
| GREYSTONE FUNDING COMPANY LLC | $11,205,000 | n/a | 0.4% | |
| CMG MORTGAGE, INC. | $8,815,000 | $11,000,000 | 24.8% | 0.4% |
| Luther Burbank Savings | $18,585,000 | $10,915,000 | -41.3% | 0.4% |
| EVERETT FINANCIAL, INC. | $7,350,000 | $10,835,000 | 47.4% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $46,380,000 | $10,750,000 | -76.8% | 0.4% |
| NEWREZ LLC | $35,170,000 | $10,580,000 | -69.9% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $11,570,000 | $9,965,000 | -13.9% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $30,490,000 | $9,875,000 | -67.6% | 0.3% |
| UBS Bank USA | $27,400,000 | $9,570,000 | -65.1% | 0.3% |
| BAY EQUITY LLC | $52,175,000 | $9,325,000 | -82.1% | 0.3% |
| GUILD MORTGAGE COMPANY | $24,900,000 | $9,090,000 | -63.5% | 0.3% |
| City National Bank | $7,070,000 | $9,020,000 | 27.6% | 0.3% |
| Truist | $5,675,000 | $7,775,000 | 37.0% | 0.3% |
| Mechanics Bank | $5,040,000 | $7,450,000 | 47.8% | 0.3% |
| SPRING EQ, LLC | $2,495,000 | $7,140,000 | 186.2% | 0.3% |
| Provident Credit Union | $16,035,000 | $7,045,000 | -56.1% | 0.2% |
| PATELCO | $20,255,000 | $6,640,000 | -67.2% | 0.2% |
| East West Bank | $6,325,000 | n/a | 0.2% | |
| Prosperity Home Mortgage, LLC | $13,590,000 | $6,235,000 | -54.1% | 0.2% |
| TECHNOLOGY | $11,670,000 | $6,230,000 | -46.6% | 0.2% |
| PHH Mortgage Corporation | $6,965,000 | $6,185,000 | -11.2% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $8,090,000 | $6,105,000 | -24.5% | 0.2% |
| Evolve Bank & Trust | $19,390,000 | $5,845,000 | -69.9% | 0.2% |
| HighTechLending Inc | $16,550,000 | $5,770,000 | -65.1% | 0.2% |
| General Mortgage Capital Corporation | $18,930,000 | $5,585,000 | -70.5% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $925,000 | $5,365,000 | 480.0% | 0.2% |
| ALLIANT CREDIT UNION | $5,660,000 | $5,300,000 | -6.4% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $3,350,000 | $5,300,000 | 58.2% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $6,965,000 | $5,095,000 | -26.8% | 0.2% |
| 5TH STREET CAPITAL, INC. | $7,980,000 | $5,000,000 | -37.3% | 0.2% |
| Wyndham Capital Mortgage, Inc. | $9,800,000 | $4,925,000 | -49.7% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $28,245,000 | $4,880,000 | -82.7% | 0.2% |
| SAN FRANCISCO FIRE CREDIT UNION | $1,745,000 | $4,540,000 | 160.2% | 0.2% |
| InterBank | $4,405,000 | n/a | 0.2% | |
| SANTA CLARA COUNTY | $3,990,000 | $4,325,000 | 8.4% | 0.2% |
| JMAC LENDING, INC. | $12,125,000 | $4,290,000 | -64.6% | 0.2% |
| Northpointe Bank | $2,275,000 | $4,265,000 | 87.5% | 0.1% |
| Citadel Servicing Corporation | $7,005,000 | $4,260,000 | -39.2% | 0.1% |
| Watermark Capital, Inc. | $12,210,000 | $4,260,000 | -65.1% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $46,170,000 | $4,040,000 | -91.2% | 0.1% |
| MERIWEST | $4,415,000 | $4,005,000 | -9.3% | 0.1% |
| NEXERA HOLDING LLC | $8,795,000 | $3,995,000 | -54.6% | 0.1% |
| Bethpage Federal Credit Union | $155,000 | $3,975,000 | 2,464.5% | 0.1% |
| Silicon Valley Bank | $12,555,000 | $3,975,000 | -68.3% | 0.1% |
| A&D Mortgage LLC | $11,085,000 | $3,905,000 | -64.8% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $2,825,000 | $3,880,000 | 37.3% | 0.1% |
| NexBank | $3,170,000 | $3,770,000 | 18.9% | 0.1% |
| PLANET HOME LENDING, LLC | $16,570,000 | $3,655,000 | -77.9% | 0.1% |
| AMWEST FUNDING CORP. | $12,010,000 | $3,635,000 | -69.7% | 0.1% |
| Quontic Bank | $125,000 | $3,620,000 | 2,796.0% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $455,000 | $3,540,000 | 678.0% | 0.1% |
| PremierOne Credit Union | $3,015,000 | $3,525,000 | 16.9% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $13,045,000 | $3,505,000 | -73.1% | 0.1% |
| NAVY FEDERAL CREDIT UNION | $6,025,000 | $3,450,000 | -42.7% | 0.1% |
| RESIDENTIAL BANCORP. | $1,415,000 | $3,365,000 | 137.8% | 0.1% |
| Amerifirst Financial, Inc. | $4,095,000 | $3,345,000 | -18.3% | 0.1% |
| Zions Bancorporation, N.A. | $2,855,000 | $3,300,000 | 15.6% | 0.1% |
| ARC HOME LLC | $7,835,000 | $3,260,000 | -58.4% | 0.1% |
| KeyBank | $7,940,000 | $3,220,000 | -59.4% | 0.1% |
| Ally Bank | $38,855,000 | $3,180,000 | -91.8% | 0.1% |
| First-Citizens Bank & Trust Company | $3,070,000 | n/a | 0.1% | |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $6,805,000 | $3,015,000 | -55.7% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $4,090,000 | $2,980,000 | -27.1% | 0.1% |
| BMO Harris Bank | $1,335,000 | $2,865,000 | 114.6% | 0.1% |
| FIRST TECHNOLOGY | $5,430,000 | $2,830,000 | -47.9% | 0.1% |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | $16,675,000 | $2,750,000 | -83.5% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $10,165,000 | $2,700,000 | -73.4% | 0.1% |
| Chicago Mortgage Solutions LLC | $2,660,000 | n/a | 0.1% | |
| Axos Bank | $4,770,000 | $2,615,000 | -45.2% | 0.1% |
| OAKTREE FUNDING CORP. | $2,470,000 | n/a | 0.1% | |
| Toyota Financial Savings Bank | $885,000 | $2,455,000 | 177.4% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $1,975,000 | $2,420,000 | 22.5% | 0.1% |
| IMPAC MORTGAGE CORP. | $9,700,000 | $2,405,000 | -75.2% | 0.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $4,460,000 | $2,400,000 | -46.2% | 0.1% |
| ATHAS CAPITAL GROUP, INC. | $1,520,000 | $2,395,000 | 57.6% | 0.1% |
| SCHOOLSFIRST | $2,460,000 | $2,385,000 | -3.0% | 0.1% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $1,420,000 | $2,380,000 | 67.6% | 0.1% |
| KINECTA | $2,720,000 | $2,360,000 | -13.2% | 0.1% |
| NATIONWIDE EQUITIES CORPORATION | $1,530,000 | $2,325,000 | 52.0% | 0.1% |
| ADVANCIAL | $1,725,000 | $2,200,000 | 27.5% | 0.1% |
| Mortgage Research Center, LLC | $9,590,000 | $2,140,000 | -77.7% | 0.1% |
| NBKC BANK | $11,410,000 | $2,135,000 | -81.3% | 0.1% |
| Community West Bank | $1,270,000 | $2,110,000 | 66.1% | 0.1% |
| FUNDLOANS CAPITAL | $1,125,000 | $2,075,000 | 84.4% | 0.1% |
| LOGIX FEDERAL CREDIT UNION | $985,000 | $2,065,000 | 109.6% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,770,000 | $2,045,000 | 15.5% | 0.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $29,025,000 | $2,035,000 | -93.0% | 0.1% |
| MACKILLIE INCORPORATED | $1,845,000 | $1,810,000 | -1.9% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $10,510,000 | $1,800,000 | -82.9% | 0.1% |
| LADERA LENDING, INC. | $10,410,000 | $1,800,000 | -82.7% | 0.1% |
| Golden Empire Mortgage, Inc. | $4,905,000 | $1,780,000 | -63.7% | 0.1% |
| GEORGIA'S OWN | $2,050,000 | $1,765,000 | -13.9% | 0.1% |
| HomeTrust Bank | $2,460,000 | $1,750,000 | -28.9% | 0.1% |
| WESTCOAST MORTGAGE GROUP AND REALTY COMPANY | $505,000 | $1,735,000 | 243.6% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $3,310,000 | $1,700,000 | -48.6% | 0.1% |
| Bank of Stockton | $1,695,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $9,670,000 | $1,690,000 | -82.5% | 0.1% |
| Ameris Bank | $2,595,000 | $1,670,000 | -35.6% | 0.1% |
| DIGNIFIED HOME LOANS, LLC | $7,330,000 | $1,665,000 | -77.3% | 0.1% |
| Figure Lending LLC | $1,570,000 | $1,660,000 | 5.7% | 0.1% |
| Arbor Realty Trust, Inc. | $1,645,000 | n/a | 0.1% | |
| Firefighters First Federal Credit Union | $3,385,000 | $1,630,000 | -51.8% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $13,380,000 | $1,630,000 | -87.8% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $1,890,000 | $1,620,000 | -14.3% | 0.1% |
| Citizens Bank | $2,005,000 | $1,600,000 | -20.2% | 0.1% |
| Provident Savings Bank, F.S.B. | $925,000 | $1,585,000 | 71.4% | 0.1% |
| Franklin Loan Corporation | $2,315,000 | $1,555,000 | -32.8% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $4,955,000 | $1,550,000 | -68.7% | 0.1% |
| Baxter Credit Union | $920,000 | $1,505,000 | 63.6% | 0.1% |
| WALL STREET MORTGAGE BANKERS, LTD. | $1,505,000 | n/a | 0.1% | |
| OCMBC, INC. | $4,730,000 | $1,480,000 | -68.7% | 0.1% |
| PACIFIC SERVICE | $3,090,000 | $1,480,000 | -52.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $4,395,000 | $1,470,000 | -66.6% | 0.1% |
| S1L, Inc. | $18,175,000 | $1,440,000 | -92.1% | 0.1% |
| Fifth Third Bank | $535,000 | $1,405,000 | 162.6% | 0.0% |
| Educational Employees Credit Union | $55,000 | $1,380,000 | 2,409.1% | 0.0% |
| First Savings Bank | $3,955,000 | $1,350,000 | -65.9% | 0.0% |
| NEW WAVE LENDING GROUP INC | $1,110,000 | $1,350,000 | 21.6% | 0.0% |
| CALIFORNIA CREDIT UNION | $1,345,000 | n/a | 0.0% | |
| FirstBank | $5,795,000 | $1,340,000 | -76.9% | 0.0% |
| Goldwater Bank, N.A. | $455,000 | $1,315,000 | 189.0% | 0.0% |
| UNIVERSITY CREDIT UNION | $305,000 | $1,315,000 | 331.1% | 0.0% |
| ADVANTIS | $1,290,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $3,060,000 | $1,230,000 | -59.8% | 0.0% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | $1,215,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $2,330,000 | $1,210,000 | -48.1% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $1,200,000 | n/a | 0.0% | |
| The Federal Savings Bank | $6,340,000 | $1,165,000 | -81.6% | 0.0% |
| Arvest Bank | $4,065,000 | $1,155,000 | -71.6% | 0.0% |
| AMERICAN FINANCING CORPORATION | $2,505,000 | $1,145,000 | -54.3% | 0.0% |
| R M K FINANCIAL CORP. | $1,145,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $825,000 | $1,140,000 | 38.2% | 0.0% |
| JTF ROSE, INC. | $1,140,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $5,400,000 | $1,140,000 | -78.9% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $360,000 | $1,120,000 | 211.1% | 0.0% |
| AmeriHome Mortgage Company, LLC | $2,210,000 | $1,105,000 | -50.0% | 0.0% |
| Strong Home Mortgage, LLC | $14,000,000 | $1,100,000 | -92.1% | 0.0% |
| EAGLE HOME MORTGAGE, LLC | $1,085,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $12,830,000 | $1,065,000 | -91.7% | 0.0% |
| Discover Bank | $1,990,000 | $1,035,000 | -48.0% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $1,530,000 | $1,030,000 | -32.7% | 0.0% |
| ON Q FINANCIAL, INC. | $29,275,000 | $1,000,000 | -96.6% | 0.0% |
| Goldman Sachs Bank USA | $985,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $1,760,000 | $980,000 | -44.3% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $1,010,000 | $980,000 | -3.0% | 0.0% |
| SILVER HILL FUNDING, LLC | $935,000 | n/a | 0.0% | |
| THE POLICE Credit Union | $205,000 | $935,000 | 356.1% | 0.0% |
| Florida Capital Bank | $2,815,000 | $915,000 | -67.5% | 0.0% |
| PREMIER LENDING, INC. | $9,905,000 | $915,000 | -90.8% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $910,000 | n/a | 0.0% | |
| ISERVE RESIDENTIAL LENDING, LLC | $905,000 | n/a | 0.0% | |
| TRISTAR FINANCE, INC. | $885,000 | n/a | 0.0% | |
| USAA Federal Savings Bank | $2,325,000 | $880,000 | -62.2% | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | $875,000 | n/a | 0.0% | |
| HOME APPROVALS DIRECT, INC. | $3,325,000 | $870,000 | -73.8% | 0.0% |
| OPEN MORTGAGE, LLC | $1,805,000 | $870,000 | -51.8% | 0.0% |
| T2 FINANCIAL LLC | $865,000 | n/a | 0.0% | |
| San Mateo Credit Union | $3,890,000 | $850,000 | -78.1% | 0.0% |
| Monterey Credit Union | $1,110,000 | $830,000 | -25.2% | 0.0% |
| CENTRAL COAST LENDING, INC. | $3,270,000 | $825,000 | -74.8% | 0.0% |
| STEARNS LENDING, LLC | $59,980,000 | $820,000 | -98.6% | 0.0% |
| CHEVRON | $610,000 | $815,000 | 33.6% | 0.0% |
| JMJ FINANCIAL GROUP | $805,000 | n/a | 0.0% | |
| UNCLE Credit Union | $805,000 | $785,000 | -2.5% | 0.0% |
| SOFI LENDING CORP. | $6,915,000 | $765,000 | -88.9% | 0.0% |
| Carrington Mortgage Services, LLC | $3,330,000 | $755,000 | -77.3% | 0.0% |
| HomeStreet Bank | $2,175,000 | $730,000 | -66.4% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $2,655,000 | $725,000 | -72.7% | 0.0% |
| Lend Smart Mortgage, LLC | $720,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $640,000 | $715,000 | 11.7% | 0.0% |
| Summit Mortgage Corporation | $715,000 | n/a | 0.0% | |
| DELTA COMMUNITY CREDIT UNION | $685,000 | n/a | 0.0% | |
| NMSI, INC. | $2,645,000 | $645,000 | -75.6% | 0.0% |
| The Central Trust Bank | $1,160,000 | $645,000 | -44.4% | 0.0% |
| UNITED MORTGAGE CORP. | $615,000 | n/a | 0.0% | |
| Colonial Savings, F.A. | $255,000 | $605,000 | 137.3% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $4,540,000 | $605,000 | -86.7% | 0.0% |
| San Joaquin Power Employees Credit Union | $605,000 | n/a | 0.0% | |
| First Bank | $750,000 | $600,000 | -20.0% | 0.0% |
| First Guaranty Mortgage Corporation | $2,960,000 | $600,000 | -79.7% | 0.0% |
| Cornerstone First Mortgage, Inc | $355,000 | $585,000 | 64.8% | 0.0% |
| LOANFLIGHT LENDING, LLC | $1,350,000 | $585,000 | -56.7% | 0.0% |
| SCENIC OAKS FUNDING, INC. | $1,090,000 | $585,000 | -46.3% | 0.0% |
| TRAVIS CREDIT UNION | $1,440,000 | $585,000 | -59.4% | 0.0% |
| INTELLILOAN, INC. | $2,810,000 | $570,000 | -79.7% | 0.0% |
| Equity Prime Mortgage LLC | $1,765,000 | $555,000 | -68.6% | 0.0% |
| First Internet Bank of Indiana | $825,000 | $555,000 | -32.7% | 0.0% |
| WESCOM CENTRAL CREDIT UNION | $330,000 | $550,000 | 66.7% | 0.0% |
| Amalgamated Bank | $545,000 | n/a | 0.0% | |
| BNC National Bank | $1,335,000 | $535,000 | -59.9% | 0.0% |
| CIS Financial Services, Inc. | $520,000 | n/a | 0.0% | |
| Bank of Colorado | $505,000 | n/a | 0.0% | |
| PARTNERS | $505,000 | n/a | 0.0% | |
| FJM PRIVATE MORTGAGE FUND, LLC | $495,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $3,950,000 | $490,000 | -87.6% | 0.0% |
| Pacific Lending LLC | $485,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $850,000 | $485,000 | -42.9% | 0.0% |
| LANDED HOME LOANS LLC | $7,005,000 | $475,000 | -93.2% | 0.0% |
| MERIWEST MORTGAGE COMPANY, LLC | $8,745,000 | $465,000 | -94.7% | 0.0% |
| American Airlines Federal Credit Union | $975,000 | $460,000 | -52.8% | 0.0% |
| First Home Bank | $215,000 | $455,000 | 111.6% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $2,865,000 | $455,000 | -84.1% | 0.0% |
| Sterling Bank and Trust, FSB | $325,000 | $445,000 | 36.9% | 0.0% |
| DATA MORTGAGE, INC. | $9,605,000 | $435,000 | -95.5% | 0.0% |
| INLAND BANK & TRUST | $425,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $5,435,000 | $405,000 | -92.5% | 0.0% |
| Operating Engineers Local Union #3 | $840,000 | $395,000 | -53.0% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $735,000 | $395,000 | -46.3% | 0.0% |
| First Mortgage Solutions, LLC | $700,000 | $365,000 | -47.9% | 0.0% |
| ONY GLO, INC. | $6,075,000 | $355,000 | -94.2% | 0.0% |
| CANOPY MORTGAGE, LLC | $3,955,000 | $345,000 | -91.3% | 0.0% |
| REDWOOD | $2,210,000 | $335,000 | -84.8% | 0.0% |
| VISION ONE MORTGAGE, INC. | $475,000 | $335,000 | -29.5% | 0.0% |
| GOOGAIN, INC. | $13,160,000 | $325,000 | -97.5% | 0.0% |
| Boeing Employees Credit Union | $820,000 | $285,000 | -65.2% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $615,000 | $275,000 | -55.3% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,025,000 | $265,000 | -86.9% | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | $255,000 | n/a | 0.0% | |
| EQUITY WAVE LENDING, INC. | $250,000 | n/a | 0.0% | |
| BELEM SERVICING LLC | $720,000 | $235,000 | -67.4% | 0.0% |
| CANVAS CREDIT UNION | $205,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $195,000 | n/a | 0.0% | |
| FIRST ENTERTAINMENT | $125,000 | $190,000 | 52.0% | 0.0% |
| ALTRA | $175,000 | n/a | 0.0% | |
| GREENSTATE CREDIT UNION | $155,000 | n/a | 0.0% | |
| SAN FRANCISCO FEDERAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| GREAT LAKES | $380,000 | $125,000 | -67.1% | 0.0% |
| AMERICAN FIRST | $1,805,000 | $105,000 | -94.2% | 0.0% |
| CITIZENS EQUITY FIRST | $200,000 | $105,000 | -47.5% | 0.0% |
| DIGITAL Federal Credit Union | $95,000 | n/a | 0.0% | |
| SAN DIEGO COUNTY CREDIT UNION | $1,005,000 | $55,000 | -94.5% | 0.0% |
SANTA CRUZ - WATSONVILLE's top lender by overall market share is Wells Fargo Bank, with 8.2% market share. In second place, with 6.7%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $191,405,000 in loans. In third place, with 5.6%, is QUICKEN LOANS, LLC, having originated $159,900,000 in loans. In fourth place, with 4.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $127,455,000 in loans. In fifth place, with 4.4%, is BAY, having originated $124,700,000 in loans.
SANTA CRUZ - WATSONVILLE Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - SANTA CRUZ - WATSONVILLE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $899,472 (5.9%) | $1,396,805 (9.6%) | 3.34 | 220 |
| 2018-02-01 | $899,250 (5.9%) | $1,383,211 (6.8%) | 3.27 | 245 |
| 2018-03-01 | $975,000 (9.9%) | $1,368,314 (3.5%) | 3.42 | 285 |
| 2018-04-01 | $950,000 (5.2%) | $1,504,485 (12.4%) | 3.22 | 337 |
| 2018-05-01 | $939,250 (4.5%) | $1,461,802 (11.9%) | 3.14 | 380 |
| 2018-06-01 | $975,000 (5.9%) | $1,455,698 (12.0%) | 3.25 | 422 |
| 2018-07-01 | $964,500 (4.3%) | $1,407,289 (8.8%) | 3.22 | 474 |
| 2018-08-01 | $930,253 (3.4%) | $1,341,335 (6.7%) | 3.12 | 526 |
| 2018-09-01 | $925,000 (2.8%) | $1,320,901 (5.7%) | 3.11 | 561 |
| 2018-10-01 | $897,000 (-0.2%) | $1,311,670 (6.3%) | 3.04 | 562 |
| 2018-11-01 | $899,500 (0.1%) | $1,340,998 (2.7%) | 3.05 | 537 |
| 2018-12-01 | $895,000 (-0.4%) | $1,352,935 (3.3%) | 3.09 | 428 |
| 2019-01-01 | $898,000 (-0.2%) | $1,396,503 (0.0%) | 3.10 | 322 |
| 2019-02-01 | $899,000 (0.0%) | $1,374,867 (-0.6%) | 3.04 | 304 |
| 2019-03-01 | $935,000 (-4.1%) | $1,349,933 (2.2%) | 3.12 | 331 |
| 2019-04-01 | $983,500 (3.5%) | $1,370,200 (-8.2%) | 3.12 | 411 |
| 2019-05-01 | $999,250 (6.4%) | $1,371,591 (-6.2%) | 3.12 | 470 |
| 2019-06-01 | $998,000 (2.4%) | $1,400,705 (-3.8%) | 3.12 | 515 |
| 2019-07-01 | $957,500 (-0.7%) | $1,358,753 (-3.5%) | 3.00 | 584 |
| 2019-08-01 | $979,000 (5.2%) | $1,383,728 (1.1%) | 3.07 | 583 |
| 2019-09-01 | $998,750 (8.0%) | $1,422,128 (2.2%) | 3.15 | 507 |
| 2019-10-01 | $949,000 (5.8%) | $1,344,052 (2.5%) | 3.06 | 553 |
| 2019-11-01 | $949,250 (5.5%) | $1,363,268 (1.7%) | 3.11 | 465 |
| 2019-12-01 | $899,250 (0.5%) | $1,390,006 (2.7%) | 3.00 | 305 |
| 2020-01-01 | $899,500 (0.2%) | $1,383,186 (-1.0%) | 3.01 | 238 |
| 2020-02-01 | $927,000 (3.1%) | $1,413,287 (2.8%) | 3.04 | 263 |
| 2020-03-01 | $949,000 (1.5%) | $1,380,956 (-1.2%) | 2.97 | 326 |
| 2020-04-01 | $951,238 (-3.3%) | $1,357,481 (-1.8%) | 2.98 | 357 |
| 2020-05-01 | $962,250 (-3.7%) | $1,399,344 (2.0%) | 2.92 | 389 |
| 2020-06-01 | $1,024,498 (2.7%) | $1,533,583 (9.5%) | 3.02 | 378 |
| 2020-07-01 | $1,095,749 (14.4%) | $1,556,964 (14.6%) | 3.18 | 352 |
| 2020-08-01 | $1,100,000 (12.4%) | $1,656,468 (22.2%) | 3.15 | 312 |
| 2020-09-01 | $1,091,500 (9.3%) | $1,607,763 (19.2%) | 3.13 | 274 |
| 2020-10-01 | $1,075,000 (13.3%) | $1,604,172 (19.3%) | 3.08 | 271 |
| 2020-11-01 | $1,048,500 (10.5%) | $1,469,102 (7.8%) | 3.07 | 255 |
| 2020-12-01 | $972,919 (8.2%) | $1,403,710 (1.0%) | 2.89 | 217 |
| 2021-01-01 | $950,000 (5.6%) | $1,390,225 (0.5%) | 2.84 | 167 |
| 2021-02-01 | $944,500 (1.9%) | $1,435,531 (1.6%) | 2.75 | 149 |
| 2021-03-01 | $1,074,750 (13.3%) | $1,501,887 (8.8%) | 3.05 | 159 |
| 2021-04-01 | $1,134,250 (19.2%) | $1,632,051 (20.2%) | 3.07 | 185 |
| 2021-05-01 | $1,200,000 (24.7%) | $1,753,276 (25.3%) | 3.19 | 207 |
| 2021-06-01 | $1,235,000 (20.6%) | $1,753,371 (14.3%) | 3.25 | 216 |
| 2021-07-01 | $1,200,000 (9.5%) | $1,700,930 (9.3%) | 3.17 | 235 |
| 2021-08-01 | $1,174,500 (6.8%) | $1,599,723 (-3.4%) | 3.13 | 244 |
| 2021-09-01 | $1,200,000 (9.9%) | $1,643,528 (2.2%) | 3.20 | 222 |
| 2021-10-01 | $1,250,000 (16.3%) | $1,722,360 (7.4%) | 3.33 | 188 |
| 2021-11-01 | $1,349,250 (28.7%) | $1,764,830 (20.1%) | 3.61 | 152 |
| 2021-12-01 | $1,295,000 (33.1%) | $1,691,547 (20.5%) | 3.51 | 102 |
| 2022-01-01 | $1,212,500 (27.6%) | $1,624,527 (16.9%) | 3.28 | 84 |
| 2022-02-01 | $1,262,000 (33.6%) | $1,614,404 (12.5%) | 3.28 | 107 |
| 2022-03-01 | $1,298,738 (20.8%) | $1,672,798 (11.4%) | 3.25 | 137 |
| 2022-04-01 | $1,299,000 (14.5%) | $1,703,795 (4.4%) | 3.10 | 157 |
| 2022-05-01 | $1,398,750 (16.6%) | $1,772,698 (1.1%) | 3.20 | 235 |
| 2022-06-01 | $1,368,250 (10.8%) | $1,765,917 (0.7%) | 3.05 | 270 |
| 2022-07-01 | $1,349,000 (12.4%) | $1,728,453 (1.6%) | 3.05 | 326 |
| 2022-08-01 | $1,349,000 (14.9%) | $1,697,038 (6.1%) | 3.12 | 313 |
| 2022-09-01 | $1,386,000 (15.5%) | $1,738,811 (5.8%) | 3.24 | 286 |
| 2022-10-01 | $1,349,000 (7.9%) | $1,723,678 (0.1%) | 3.17 | 297 |
| 2022-11-01 | $1,399,000 (3.7%) | $1,777,598 (0.7%) | 3.36 | 266 |
| 2022-12-01 | $1,345,000 (3.9%) | $1,715,599 (1.4%) | 3.32 | 232 |
| 2023-01-01 | $1,285,750 (6.0%) | $1,643,300 (1.2%) | 3.18 | 171 |
| 2023-02-01 | $1,316,250 (4.3%) | $1,658,278 (2.7%) | 3.18 | 176 |
| 2023-03-01 | $1,397,250 (7.6%) | $1,790,272 (7.0%) | 3.29 | 173 |
| 2023-04-01 | $1,399,000 (7.7%) | $1,887,686 (0.0%) | 3.25 | 205 |
SANTA CRUZ - WATSONVILLE's median listing price for 2023-04-01 was $1,399,000, a difference of
$100,000
(7.7%) versus the prior year and
$1,750 versus the prior month.
SANTA CRUZ - WATSONVILLE's median listing price comes in at 325% of the national average.
SANTA CRUZ - WATSONVILLE's average listing price for 2023-04-01 was $1,887,686, a difference of $183,891 (0.0%) versus the prior year and $97,414 versus the prior month.
For the 2023-04-01 period, SANTA CRUZ - WATSONVILLE had 205 MLS listings, a difference of 32 listings (18%) versus the prior month and 48 listings (31%) versus the prior year.
SANTA CRUZ - WATSONVILLE's median listing price comes in at 325% of the national average.
SANTA CRUZ - WATSONVILLE's average listing price for 2023-04-01 was $1,887,686, a difference of $183,891 (0.0%) versus the prior year and $97,414 versus the prior month.
For the 2023-04-01 period, SANTA CRUZ - WATSONVILLE had 205 MLS listings, a difference of 32 listings (18%) versus the prior month and 48 listings (31%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - SANTA CRUZ - WATSONVILLE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 69 days | 1,719 sqft |
| 2018-02-01 | 37 days | 1,604 sqft |
| 2018-03-01 | 30 days | 1,674 sqft |
| 2018-04-01 | 35 days | 1,699 sqft |
| 2018-05-01 | 34 days | 1,663 sqft |
| 2018-06-01 | 39 days | 1,696 sqft |
| 2018-07-01 | 42 days | 1,716 sqft |
| 2018-08-01 | 45 days | 1,655 sqft |
| 2018-09-01 | 46 days | 1,657 sqft |
| 2018-10-01 | 52 days | 1,652 sqft |
| 2018-11-01 | 57 days | 1,678 sqft |
| 2018-12-01 | 68 days | 1,619 sqft |
| 2019-01-01 | 81 days | 1,606 sqft |
| 2019-02-01 | 68 days | 1,662 sqft |
| 2019-03-01 | 39 days | 1,686 sqft |
| 2019-04-01 | 33 days | 1,756 sqft |
| 2019-05-01 | 36 days | 1,744 sqft |
| 2019-06-01 | 46 days | 1,747 sqft |
| 2019-07-01 | 49 days | 1,678 sqft |
| 2019-08-01 | 61 days | 1,656 sqft |
| 2019-09-01 | 63 days | 1,727 sqft |
| 2019-10-01 | 63 days | 1,682 sqft |
| 2019-11-01 | 74 days | 1,700 sqft |
| 2019-12-01 | 97 days | 1,625 sqft |
| 2020-01-01 | 92 days | 1,636 sqft |
| 2020-02-01 | 43 days | 1,611 sqft |
| 2020-03-01 | 34 days | 1,638 sqft |
| 2020-04-01 | 48 days | 1,675 sqft |
| 2020-05-01 | 55 days | 1,726 sqft |
| 2020-06-01 | 45 days | 1,746 sqft |
| 2020-07-01 | 47 days | 1,842 sqft |
| 2020-08-01 | 51 days | 1,843 sqft |
| 2020-09-01 | 71 days | 1,801 sqft |
| 2020-10-01 | 67 days | 1,798 sqft |
| 2020-11-01 | 62 days | 1,722 sqft |
| 2020-12-01 | 61 days | 1,617 sqft |
| 2021-01-01 | 57 days | 1,618 sqft |
| 2021-02-01 | 37 days | 1,538 sqft |
| 2021-03-01 | 35 days | 1,636 sqft |
| 2021-04-01 | 27 days | 1,654 sqft |
| 2021-05-01 | 26 days | 1,793 sqft |
| 2021-06-01 | 32 days | 1,801 sqft |
| 2021-07-01 | 29 days | 1,796 sqft |
| 2021-08-01 | 32 days | 1,672 sqft |
| 2021-09-01 | 44 days | 1,835 sqft |
| 2021-10-01 | 51 days | 1,852 sqft |
| 2021-11-01 | 68 days | 1,955 sqft |
| 2021-12-01 | 81 days | 1,844 sqft |
| 2022-01-01 | 55 days | 1,649 sqft |
| 2022-02-01 | 18 days | 1,592 sqft |
| 2022-03-01 | 18 days | 1,536 sqft |
| 2022-04-01 | 25 days | 1,600 sqft |
| 2022-05-01 | 23 days | 1,716 sqft |
| 2022-06-01 | 28 days | 1,724 sqft |
| 2022-07-01 | 37 days | 1,705 sqft |
| 2022-08-01 | 43 days | 1,701 sqft |
| 2022-09-01 | 46 days | 1,744 sqft |
| 2022-10-01 | 44 days | 1,705 sqft |
| 2022-11-01 | 54 days | 1,796 sqft |
| 2022-12-01 | 66 days | 1,725 sqft |
| 2023-01-01 | 80 days | 1,710 sqft |
| 2023-02-01 | 65 days | 1,691 sqft |
| 2023-03-01 | 39 days | 1,724 sqft |
| 2023-04-01 | 37 days | 1,793 sqft |
SANTA CRUZ - WATSONVILLE's median listing age (time on market) for 2023-04-01 was 37 days.
This
is 48%
longer
than the same period one year ago.
SANTA CRUZ - WATSONVILLE's median square footage for active listings during the 2023-04-01 period was 1,793 sqft. One year prior, the average listing was 1,600 sqft.
SANTA CRUZ - WATSONVILLE's median square footage for active listings during the 2023-04-01 period was 1,793 sqft. One year prior, the average listing was 1,600 sqft.
SANTA CRUZ-WATSONVILLE, CA Average Rent (2023)
Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.
| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 94060 | Santa Cruz-Watsonville, CA | $2,120 | $2,640 | $3,200 | $4,120 | $4,480 |
| 95001 | Santa Cruz-Watsonville, CA | $2,090 | $2,390 | $3,140 | $4,000 | $4,460 |
| 95003 | Santa Cruz-Watsonville, CA | $2,450 | $2,800 | $3,680 | $4,690 | $5,230 |
| 95005 | Santa Cruz-Watsonville, CA | $2,130 | $2,440 | $3,210 | $4,090 | $4,560 |
| 95006 | Santa Cruz-Watsonville, CA | $2,060 | $2,360 | $3,100 | $3,950 | $4,400 |
| 95007 | Santa Cruz-Watsonville, CA | $2,100 | $2,400 | $3,160 | $4,030 | $4,490 |
| 95010 | Santa Cruz-Watsonville, CA | $2,180 | $2,490 | $3,280 | $4,180 | $4,660 |
| 95017 | Santa Cruz-Watsonville, CA | $1,800 | $2,070 | $2,720 | $3,560 | $3,980 |
| 95018 | Santa Cruz-Watsonville, CA | $2,040 | $2,330 | $3,070 | $3,910 | $4,360 |
| 95019 | Santa Cruz-Watsonville, CA | $1,800 | $2,070 | $2,720 | $3,560 | $3,980 |
| 95033 | Santa Cruz-Watsonville, CA | $2,210 | $2,510 | $3,180 | $4,060 | $4,570 |
| 95041 | Santa Cruz-Watsonville, CA | $2,040 | $2,330 | $3,070 | $3,910 | $4,360 |
| 95060 | Santa Cruz-Watsonville, CA | $2,410 | $2,760 | $3,630 | $4,630 | $5,160 |
| 95061 | Santa Cruz-Watsonville, CA | $2,090 | $2,390 | $3,140 | $4,000 | $4,460 |
| 95062 | Santa Cruz-Watsonville, CA | $2,100 | $2,400 | $3,160 | $4,030 | $4,490 |
| 95063 | Santa Cruz-Watsonville, CA | $2,090 | $2,390 | $3,140 | $4,000 | $4,460 |
| 95064 | Santa Cruz-Watsonville, CA | $2,130 | $2,440 | $3,210 | $4,090 | $4,560 |
| 95065 | Santa Cruz-Watsonville, CA | $2,640 | $3,020 | $3,980 | $5,070 | $5,650 |
| 95066 | Santa Cruz-Watsonville, CA | $2,500 | $2,860 | $3,760 | $4,790 | $5,340 |
| 95067 | Santa Cruz-Watsonville, CA | $2,090 | $2,390 | $3,140 | $4,000 | $4,460 |
| 95073 | Santa Cruz-Watsonville, CA | $2,150 | $2,460 | $3,240 | $4,130 | $4,600 |
| 95076 | Santa Cruz-Watsonville, CA | $2,010 | $2,310 | $2,750 | $3,590 | $4,140 |
| 95077 | Santa Cruz-Watsonville, CA | $2,090 | $2,390 | $3,140 | $4,000 | $4,460 |
2022 Average & Median Rent Data Statistics
SANTA CRUZ-WATSONVILLE, CA average 1BR rent: $2,463, median: $2,400
SANTA CRUZ-WATSONVILLE, CA average 2BR rent: $3,210, median: $3,160
SANTA CRUZ-WATSONVILLE, CA average 3BR rent: $4,104, median: $4,030
SANTA CRUZ-WATSONVILLE, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,601 | $1,391,065,000 | $868,873 |
| Cash Out Refi | 1,077 | $630,965,000 | $585,854 |
| Refi | 876 | $503,630,000 | $574,920 |
| Home Improvement | 783 | $160,995,000 | $205,613 |
| Other | 365 | $159,115,000 | $435,932 |
Santa Cruz - Watsonville's most frequently cited loan purpose was Home Purchase, with 1,601 originations. The 2nd most popular reason was Cash Out Refi, with 1,077 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,294 | $938,090,000 | $724,954 |
| 4-5% | 951 | $628,865,000 | $661,267 |
| 5-6% | 763 | $435,585,000 | $570,885 |
| 2.5-3% | 702 | $366,520,000 | $522,108 |
| 6-7% | 392 | $203,010,000 | $517,883 |
| <2.5% | 288 | $142,360,000 | $494,306 |
| 7-8% | 169 | $75,995,000 | $449,675 |
| Over 8% | 114 | $43,520,000 | $381,754 |
During 2022, Santa Cruz - Watsonville's most frequently originated rate bucket was 3-4%, with 1,294 originations.
Loan Sizing (SANTA CRUZ-WATSONVILLE, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $600k-1000k | 1,266 | $981,360,000 | $775,166 |
| $200k-400k | 1,023 | $293,455,000 | $286,857 |
| $400k-600k | 930 | $459,510,000 | $494,097 |
| $Over $1MM | 639 | $1,017,025,000 | $1,591,588 |
| $100k-200k | 562 | $77,080,000 | $137,153 |
| $100,000 or less | 282 | $17,340,000 | $61,489 |
SANTA CRUZ - WATSONVILLE's loan sizing saw the bucket of loans from $600k-1000k with 1,266 originations, totaling $981,360,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 1,102 | $183,370,000 | $166,397 |
| 60-80% | 1,080 | $1,052,840,000 | $974,852 |
| 40-60% | 969 | $653,265,000 | $674,164 |
| 20-40% | 914 | $385,190,000 | $421,433 |
| 80-100% | 595 | $548,105,000 | $921,185 |
| Over 100% | 7 | $6,795,000 | $970,714 |
SANTA CRUZ - WATSONVILLE's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 1,102 originations, totaling $183,370,000 in origination value.